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Friday, September 18, 2026
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HomeHipotecas¿Qué es una hipoteca de solo interés?

¿Qué es una hipoteca de solo interés?

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Una mujer considera sus opciones de hipotecas.

Imágenes de Johner/Getty Images

Control de presa

  • Las hipotecas solo por intereses le permiten realizar pagos solo en los intereses de su préstamo por un período introductorio, pero a posteriori, los pagos aumentan.

  • Estos préstamos son mejores para aquellos que planean moverse o anticipar un gran aumento de ingresos en una período.

  • Desde la gran recesión, las hipotecas de solo interés han sido difíciles de encontrar adecuado a su detención aventura.

¿Qué es una hipoteca de solo interés?

Una hipoteca de solo interés permite a los prestatarios realizar pagos solo en el interés del préstamo por un período de tiempo establecido, generalmente entre siete y 10 primaveras, al manifestación de un plazo de 30 primaveras. A posteriori de que finalice este período introductorio, el prestatario realiza pagos sobre el hacienda e intereses por el resto del plazo del préstamo.

¿Cómo funcionan las hipotecas de solo interés?

Durante el período introductorio, solo pagará intereses a una tasa fija o ajustable. Sus pagos no incluirán al hacienda, por lo que es probable que sean mucho más bajos de lo que encontraría en un préstamo convencional, aunque la tasa de interés será comparable.

Al final del período original, debe avalar el principal en un cuota de globos en una época establecida o en pagos mensuales más grandes, que incluyen tanto el hacienda como los intereses, por el resto del plazo. Y, adecuado a que sus pagos principales se están amortizando durante solo 20 primaveras en empleo de 30, esos pagos serán más altos que los de determinado con un préstamo tradicional de 30 primaveras.

Puede refinanciar a posteriori de que termine el período de solo interés, pero como en cualquier refinanciamiento, necesitará admitir una evaluación de la casa y avalar los costos y tarifas de obstrucción, lo que puede sumar del 2 al 6 por ciento del monto del préstamo.

A pesar de que solo debe avalar los intereses durante el período introductorio, aún puede avalar el principal si lo desea.

Ejemplo de una hipoteca de solo interés

Digamos que obtiene un préstamo de 30 primaveras solo por intereses por $ 350,000, con una tasa original del 6.5 por ciento y un plazo de interés solo de siete primaveras. Durante el período de solo interés, pagaría aproximadamente $ 1,896 por mes.

A posteriori de esta grado original, el cuota aumentaría a aproximadamente $ 2,610 por mes, suponiendo que su tasa no cambie. Muchos préstamos de solo interés se convierten en un préstamo de tasa ajustable, por lo que si las tasas aumentan en el futuro, las suyas todavía lo harán. Si su préstamo solo por intereses requiere un cuota con dirigible, estaría en el atractivo por varios cientos de miles de dólares.

Con una hipoteca de tasa fija a 30 primaveras por la misma cantidad, pagaría $ 2,212 por mes, incluidos principios e intereses.

Si admisiblemente sus pagos introductorios no incluirán al principal, incluirán impuestos a la propiedad, un seguro de propietarios y posiblemente un seguro hipotecario privado (PMI).

Historia de hipotecas de solo interés

A principios de la período de 2000, muchos compradores de viviendas asumieron hipotecas solo por intereses, solo para descubrir que no podían avalar los pagos más grandes a posteriori del período introductorio. Esta fue una de las prácticas riesgosas que contribuyó a la crisis de la vivienda en 2007, lo que llevó a la gran recesión. Al final, muchas personas perdieron sus hogares.

Algunos prestamistas aún ofrecen hipotecas de solo interés hoy, pero con requisitos de elegibilidad mucho más estrictos. Ahora se consideran hipotecas no calificadas, o préstamos que no son de QM, porque no cumplen con los criterios de respaldo para Fannie Mae, Freddie Mac o las otras entidades gubernamentales que aseguran y recompra hipotecas. En pocas palabras: una hipoteca de solo interés es un producto más riesgoso.

Cómo catalogar para una hipoteca solo por intereses

Deberá estar admisiblemente calificado para ser ratificado para una hipoteca de solo interés. Los bancos generalmente buscan prestatarios que tengan:

  • Un puntaje de crédito de 700 o más
  • Una relación deuda a ingreso (DTI) del 43 por ciento o menos
  • Un cuota original del 20 por ciento o más
  • Prueba sólida del potencial de ingresos futuros
  • Amplio activo

Pros y contras de hipotecas solo por intereses

Los préstamos solo para intereses pueden ser una organización de finanzas personales prudentes bajo ciertas circunstancias, pero no son una buena idea para todos.

Pros de hipotecas de solo interés

  • Los pagos solo por intereses son más pequeños que los pagos de la hipoteca convencional. Los pagos mensuales iniciales de los préstamos solo por intereses tienden a ser significativamente más bajos que los pagos de los préstamos convencionales, y la tasa de interés puede fijarse durante la primera parte del préstamo.
  • Puede beneficiarse de tasas más bajas a posteriori del período introductorio. Si las tasas caen en el futuro, se beneficiará de pagos relativamente más bajos cuando finalice su período introductorio.
  • Es posible que pueda avalar pagos más altos en el futuro. Si aplazamiento que aumenten sus ingresos, es posible que pueda comprar una casa más vasto ahora y posponer los pagos principales hasta que se ajusten a su presupuesto. Todavía puede evitar los pagos principales si se mueve durante el período introductorio.

Contras de hipotecas solo por intereses

  • No construirás equidad casera. Mientras esté pagando solo intereses, no está construyendo hacienda en su hogar. Y si el valía de su hogar se deprecia, podría terminar al revés en su hipoteca o arriesgarse a la amortización negativa.
  • Es posible que tenga un cuota inasequible a posteriori del período de solo intereses. Su cuota aumentará a posteriori del período introductorio y, dependiendo de sus ingresos, puede no ser manejable.
  • Estarás a merced de las tasas de interés del mercado. Si las tasas han aumentado desde que se originó el préstamo, cuando finaliza el período de entrada, es posible que tenga un cuota mucho más detención de lo que esperaba.

¿Debería considerar una hipoteca de solo interés?

Los mejores candidatos para una hipoteca solo por intereses son los prestatarios que tienen plena confianza en que podrán cubrir los pagos mensuales más altos cuando surjan. Este tipo de préstamo hipotecario podría ser adecuado para usted si usted:

  • Están en la escuela de posgrado y quieren perseverar bajos los pagos por ahora, pero anticipar tener un trabajo enormemente remunerado en el futuro
  • Tener un fideicomiso que comenzará a difundir activos en una época futura
  • Voltee las casas y la condición de perseverar los gastos bajos durante la remodelación

  • Espere moverse antiguamente del final del período introductorio

Alternativas a una hipoteca solo por intereses

Si le gustan algunas de las características de una hipoteca de solo interés, pero no cree que una sea para usted, puede explorar otros tipos de hipotecas, que incluyen:

  • Hipotecas de tasa ajustable: Al igual que los préstamos solo por intereses, estas hipotecas tienden a tener pagos mensuales más bajos durante un período introductorio. En este caso, se debe a una tasa original desestimación, que puede aumentar o disminuir con el tiempo en función de los movimientos del mercado. Conveniente a que los pagos incluyen al director, construirá hacienda incluso en los primeros primaveras del préstamo.
  • Préstamos de la Filial Federal de Vivienda (FHA): Estos préstamos respaldados por el gobierno están orientados a los prestatarios que no pueden catalogar para un préstamo convencional y pueden ofrecer pagos mensuales más bajos sin el aventura de un aumento futuro.

Preguntas frecuentes

Informes adicionales de Kacie Goff

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